Director, Credit Strategy & Accounts Receivable

Sager Electronics is seeking a strategic and experienced Director, Credit Strategy & Accounts Receivable to lead our credit risk and receivables functions. This role is responsible for designing and managing the company's credit risk framework, optimizing cash flow, and supporting safe, profitable growth.

The Director will oversee credit assessment, lending limits, and portfolio strategies while leading all aspects of the Accounts Receivable function, including credit exposure, collections, and team management.

• Credit Risk Management & Strategy
  • Design, implement, and maintain corporate credit policies, risk appetite, and portfolio concentration limits
  • Communicate credit policies effectively to sales teams and stakeholders
  • Serve as senior escalation point for complex transactions and hold high‑level credit approval authority
  • Evaluate customer creditworthiness and ensure appropriate credit limits and multipliers are in place
  • Monitor overall portfolio health, including financial trends, stress indicators, and risk exposure
• Collections & Cash Flow Optimization
  • Lead end‑to‑end collections strategy to improve cash flow and minimize Days Sales Outstanding (DSO)
  • Provide leadership on collection actions, including escalation to legal remedies when appropriate
  • Oversee resolution of complex customer disputes and negotiate payment structures or amendments
• Compliance & Governance
  • Ensure all credit and collection activities comply with applicable laws, regulations, and internal standards
  • Partner with internal audit, external auditors, and regulatory entities as needed
  • Deliver regular reporting on credit exposure, portfolio health, and risk metrics
• Leadership & Cross‑Functional Collaboration
  • Lead, develop, and manage the Credit and Accounts Receivable team
  • Drive employee engagement, performance management, and professional development
  • Partner with Sales, Finance, Legal, and Risk teams to align credit strategy with business goals
  • Support sales efforts through customer engagement, including visits to customers and branch locations
  • Provide leadership during ERP or system implementations related to credit and AR
  • Take on additional responsibilities as needed to support the organization

• Education
  • Bachelor’s degree in business, Accounting, Finance, or a related field (or equivalent experience)
• Experience & Skills
  • Seven to ten years of experience in credit management, accounts receivable, or related functions
  • Prior leadership experience with direct team management
  • Strong understanding of credit risk principles, including exposure management, collections, and invoicing
  • Experience with ERP systems, including involvement in implementations or enhancements
  • Proven ability to lead AR operations and drive process improvements
  • Strong analytical skills with the ability to interpret financial and operational data such as DSO and bad debt trends
  • Excellent communication and stakeholder management skills
  • Demonstrated ability to collaborate across functions and build trusted partnerships
  • Effective problem‑solving and decision‑making skills, with the ability to act quickly when needed
  • Ability to support sales teams while balancing risk and customer relationships
  • Willingness to travel and maintain an in‑office presence as required

Annual base salary range of $142,200 - $160,300, plus eligibility for a 20% discretionary annual bonus. Total target annual compensation ranges from $170,640 - $192,360.

Actual compensation may vary based on factors such as geographic location, experience, education, and skill level. Final base salary and bonus details will be confirmed at the time of offer.

Regular on‑site presence in the Norwell, MA office as needed and some travel required. Due to the on‑site requirements of this position, applicants are expected to reside within a reasonable commuting distance of the designated work location (Norwell, MA). This role does not offer relocation.

At Sager Electronics, we value our team members and strive to provide a comprehensive benefits package for full‑time employees. Here is what you can expect:

• Medical, dental, and vision insurance to keep you and your family healthy.
• 401(k…